BlastPoint's Credit Union Scorecard
CREDIT UNION ONE
Charter #62562 · MI
CREDIT UNION ONE has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 94.7% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.98% above tier average
- + Share Certificate Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 7.5% in tier
- - Membership Headwinds: Bottom 17.6% in tier
- - Credit Quality Pressure: Bottom 25.8% in tier
- - Credit Risk Growth: Bottom 26.3% in tier
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108,401
-2.5% YoY-0.3% QoQ
|
+9.7K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$1.7B
+1.8% YoY-1.2% QoQ
|
+$11.5M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$1.2B
+4.7% YoY+4.3% QoQ
|
+$8.1M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$1.5B
+0.4% YoY-2.0% QoQ
|
+$80.2M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
1.0%
+7.7% YoY+3.2% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
4.2%
+8.4% YoY+3.3% QoQ
|
+1.0% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
73.4%
-0.2% YoY+0.0% QoQ
|
-0.6% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.5%
+3.1% YoY+0.2% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
80.9%
+4.2% YoY+6.4% QoQ
|
-4.3% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$25,606
+4.9% YoY+1.0% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
16.8%
-7.9% YoY-1.5% QoQ
|
-12.2% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
Bottom 8.4% in tier |
| Indirect Auto % |
12.0%
-26.9% YoY-9.9% QoQ
|
-6.8% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
40% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)